Medicare agent in Broward & Palm Beach
PlainPlan Benefits is an independent Medicare insurance agency based in Lauderdale Lakes, Florida. We compare Medicare Supplement, Medicare Advantage and Part D prescription drug plans from more than 20 insurance companies, check that your doctors and prescriptions are covered, and review your plan with you every fall. Our help costs you nothing, and we speak English and Haitian Creole.
NPN 18530652 9 years in insurance
What a licensed Medicare agent does for you
Medicare gives you choices, and every choice has trade-offs. A licensed, independent Medicare agent helps you compare those choices side by side, using your own doctors, prescriptions, budget and travel plans, and then helps you enroll in the plan you pick.
One licensed agent from our team works with you from the first call. We look up your doctors in each plan's network, price your prescriptions in each plan's drug list, and you decide with no pressure. After you enroll, we stay your agents: a confusing bill, a denied claim or a doctor leaving the network means you call us, not a call center.
Independent agency vs call center
| Compare | PlainPlan Benefits | Typical call center |
|---|---|---|
| Who you talk to | The same local team every year | Whoever answers next |
| Plans compared | From 20+ insurance companies | Often limited |
| After you enroll | Fall review, claims and billing help | Usually no follow-up |
| Your phone number | Never sold or shared | May be passed along |
| Cost to you | $0 | $0 |
Wherever you are with Medicare, we can help
Most of our clients fit one of these situations. Many fit two.
Turning 65
You're getting your red, white and blue Medicare card and a mailbox full of offers. We walk you through Part A, Part B and your first plan choice, and make sure you don't miss the six-month window to buy a Supplement with no health questions.
Retiring from a job
Leaving employer coverage or COBRA? You usually have 8 months to sign up for Part B without a penalty after work coverage ends. We help you time it so there's no gap in coverage.
Unhappy with your current plan
Premium went up, a doctor left the network, or a prescription got more expensive? We compare your plan against the alternatives during the enrollment periods that apply to you.
Medicare and Medicaid
If you have both, you may qualify for a Dual Special Needs Plan or programs like Extra Help and Medicare Savings Programs that lower your costs. We check before we recommend anything.
Families helping a parent
Many calls start with a son or daughter. With your parent's permission, we're happy to include you.
Snowbirds and travelers
Spend part of the year out of state? We explain which coverage works where you travel.
Your Medicare options, explained simply
Everyone starts with Original Medicare from the federal government. The big decision is what you add to it, or what you replace it with.
Original Medicare: Part A and Part B
Part A is hospital insurance: inpatient stays, skilled nursing care and hospice. Part B is medical insurance: doctor visits, outpatient care, lab work and equipment. Original Medicare has no yearly out-of-pocket limit.
| 2026 Original Medicare costs | Amount |
|---|---|
| Part B monthly premium (standard) | $202.90 |
| Part B yearly deductible | $283 |
| Part B coinsurance after deductible | 20% |
| Part A hospital deductible (per benefit period) | $1,736 |
| Part A premium | $0 for most people |
Source: CMS 2026 Parts A & B fact sheet.
Medicare Supplement (Medigap)
A Supplement works alongside Original Medicare, pays most of the gaps, and lets you see any doctor in the U.S. who accepts Medicare, with no network.
| Compare | Plan G | Plan N | Plan F |
|---|---|---|---|
| Part A deductible | Covered | Covered | Covered |
| Part B deductible | You pay | You pay | Covered |
| Office visit copay | None | Up to $20 | None |
| Who can buy | Anyone | Anyone | Eligible before 2020 |
Medicare Advantage (Part C)
An Advantage plan replaces Original Medicare with a private plan approved by Medicare. Most include drug coverage and extras such as dental, vision and hearing, often with a low or $0 premium. You use a network and pay copays up to a yearly out-of-pocket maximum.
- HMO: use the network and get referrals for specialists.
- PPO: go out of network at a higher cost.
- Special Needs Plans: D-SNPs for people with Medicare and Medicaid, C-SNPs for certain chronic conditions, and I-SNPs for people living in a nursing home.
Part D prescription drug coverage
Part D covers prescriptions, either as a stand-alone plan next to Original Medicare and a Supplement, or inside most Advantage plans. For 2027, the deductible can be up to $700 and your out-of-pocket drug costs are capped at $2,400 a year. Each plan has its own drug list and pharmacy prices. How Part D works.
Help paying for Medicare: Medicaid, Medicare Savings Programs and Extra Help
If your income and savings are limited, you may pay far less than the figures above. Florida Medicaid can cover costs Medicare doesn't, and people with both Medicare and Medicaid can often join a Dual Special Needs Plan. Medicare Savings Programs help with Part B premiums and more:
| Program | What it helps pay | 2026 monthly income limit (single) | Resource limit (single) |
|---|---|---|---|
| QMB | Part A and B premiums, deductibles, coinsurance | $1,350 | $9,950 |
| SLMB | Part B premium | $1,616 | $9,950 |
| QI | Part B premium | $1,816 | $9,950 |
People in these programs also get Extra Help with prescription costs, paying no more than $12.65 per covered drug in 2026. We check whether you may qualify before recommending any plan. Source: Medicare.gov. Limits for couples are higher.
Medicare enrollment periods and deadlines
Missing a window can mean waiting for coverage or paying a late penalty for life.
| Enrollment period | When | What you can do |
|---|---|---|
| Initial Enrollment Period (IEP) | 7 months around your 65th birthday | Sign up for Part A, Part B and Part D, or an Advantage plan |
| Medigap Open Enrollment | 6 months starting when you're 65 and have Part B | Buy any Medicare Supplement with no health questions |
| Annual Enrollment Period (AEP) | October 15 – December 7 | Join, switch or drop Advantage and Part D plans for January 1 |
| Medicare Advantage Open Enrollment | January 1 – March 31 | If you're in Advantage, switch plans once or return to Original Medicare |
| Special Enrollment Periods (SEP) | After certain life events | Change plans after a move, losing work coverage, or changes to Medicaid or Extra Help |
| General Enrollment Period | January 1 – March 31 | Sign up for Part A or B if you missed your first chance |
Turning 65 soon? See the turning-65 Medicare timeline, with a month-by-month checklist and late penalties worked out in dollars.
Medicare in Broward and Palm Beach counties
Broward and Palm Beach sit side by side but choose Medicare very differently, so your neighbors' plan isn't automatically right for you.
65% choose Medicare Advantage
About 65% of the 382,284 people eligible for Medicare in Broward are in a Medicare Advantage plan. Home visits by appointment.
Medicare in Broward CountyOnly 48% choose Advantage
Of 370,910 people eligible in Palm Beach, only 48% are in Advantage, and many more use a Medicare Supplement. Help by phone or video.
Medicare in Palm Beach CountySource: CMS Medicare Advantage State/County Penetration, September 2026.
Where we help, and the hospitals we check
Before you choose a plan with a network, we check the hospitals you'd use.
| Compare | Broward County | Palm Beach County |
|---|---|---|
| Towns | Lauderdale Lakes, Lauderhill, Tamarac, Sunrise, Plantation, Fort Lauderdale, Oakland Park, Coral Springs, Margate, Pompano Beach, Deerfield Beach, Davie, Hollywood, Pembroke Pines, Miramar | Boca Raton, Delray Beach, Boynton Beach, Lake Worth Beach, Wellington, West Palm Beach, Palm Beach Gardens, Jupiter |
| Hospitals | Broward Health Medical Center, Holy Cross Health, Memorial Regional Hospital, Cleveland Clinic Florida (Weston), HCA Florida hospitals | Boca Raton Regional Hospital, Delray Medical Center, HCA Florida JFK Hospital, St. Mary's Medical Center, Good Samaritan Medical Center, Jupiter Medical Center |
| How we meet | Phone, video or home visit | Phone or video |
Hospital names are listed so we can check networks for you; they don't endorse us. We're also licensed in California and Texas.
How our no-cost Medicare review works
By phone, by video, or at your kitchen table in Broward. Bring a family member if you like; many of our calls include an adult son or daughter.
- Tell us about you.Your doctors, prescriptions, pharmacy, budget, and whether you travel or spend part of the year up north.
- We compare plans side by side.Supplement plus Part D against Medicare Advantage, from the companies we represent, with the total yearly cost of each.
- You decide.We answer every question and never push. If your current plan is still the right one, we'll tell you.
- We stay with you.Every fall before December 7 we review your plan again, because premiums, drug lists and networks change every January.
Nou pale Kreyòl
Ou bezwen èd ak Medicare an Kreyòl? Nou ka eksplike w opsyon ou yo, konpare plan yo, epi ede w enskri, san ou pa peye anyen. Rele nou nan (770) 378-6070.
We help Haitian families in South Florida understand Medicare in Haitian Creole, from the first call to the yearly review. Medicare an Kreyòl.
How we're paid, in plain English
You pay us nothing. When you enroll through us, the insurance company pays us a commission, and your premium is the same whether you buy through us or directly from the company.
Commissions differ between plan types, which is exactly why we always show you Supplement and Advantage options side by side and let you choose. Read how we get paid.
Luckny Dubreus, founder
Luckny has spent 9 years in insurance helping South Florida families, including many in the Haitian community he is part of. He started PlainPlan Benefits so that everyone can find Medicare coverage they can afford, explained in plain words.
NPN 18530652 · Florida License #{{FL LICENSE #}} · Meet the founder
Plain-English answers from local agents
Medicare questions we hear every day
Does it cost anything to use a Medicare agent?
No. Insurance companies pay agents, and your premium is the same whether you enroll through an agent or directly with the company.
What's the difference between a Medicare broker and a Medicare agent?
People use the words interchangeably. What matters is whether the agent is independent and can compare plans from many companies, or captive and limited to one company's plans. We're independent.
Should I choose a Medicare Supplement or Medicare Advantage?
It depends on your doctors, prescriptions, budget, health and travel. A Supplement gives predictable costs and any-doctor freedom for a monthly premium. Advantage often has a lower premium and extra benefits but uses a network and copays. We compare both for you.
When can I change my Medicare plan?
Most people can change Advantage and Part D plans during the Annual Enrollment Period, October 15 to December 7, and people already in Advantage can switch once from January 1 to March 31.
Can you help if I already have a plan?
Yes. We review your current coverage against other options. If your plan is still the right fit, we'll tell you to keep it.
Do you meet in person?
Yes. We meet at home by appointment in Broward County, and help by phone or video anywhere in Florida, California and Texas.
Do you speak Haitian Creole?
Yes. We help clients in both English and Haitian Creole (Kreyòl).
Talk to a licensed agent. No cost, no pressure.
Tell us how to reach you. A licensed agent from our team calls you back, usually the same business day. We never sell or share your number.
- Licensed in Florida · NPN 18530652
- Plans from more than 20 insurance companies
- We review your plan with you every fall
- English and Haitian Creole